The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$161,276
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$166,292
−HK$5,097/mo
Today · 4.125%
HK$171,389
baseline
▲ 0.50% · 4.625%
HK$181,818
+HK$10,429/mo
Deposit HK$35.36M · loan HK$35.36M · min. income ≈ HK$342,778/mo (50% DSR)
Upfront cash ≈ HK$38.37M (deposit + AVD stamp duty HK$3,005,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,418
−HK$9,693/mo
▼ 0.25% · 3.875%
HK$184,229
−HK$4,882/mo
Today · 4.125%
HK$189,111
baseline
▲ 0.50% · 4.625%
HK$199,079
+HK$9,968/mo
Deposit HK$35.36M · loan HK$35.36M · min. income ≈ HK$378,222/mo (50% DSR)
Upfront cash ≈ HK$38.37M (deposit + AVD stamp duty HK$3,005,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,531
−HK$12,136/mo
▼ 0.25% · 3.875%
HK$199,551
−HK$6,116/mo
Today · 4.125%
HK$205,667
baseline
▲ 0.50% · 4.625%
HK$218,181
+HK$12,514/mo
Deposit HK$28.29M · loan HK$42.44M · min. income ≈ HK$411,334/mo (50% DSR)
Upfront cash ≈ HK$31.30M (deposit + AVD stamp duty HK$3,005,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,301
−HK$11,632/mo
▼ 0.25% · 3.875%
HK$221,075
−HK$5,858/mo
Today · 4.125%
HK$226,933
baseline
▲ 0.50% · 4.625%
HK$238,895
+HK$11,962/mo
Deposit HK$28.29M · loan HK$42.44M · min. income ≈ HK$453,866/mo (50% DSR)
Upfront cash ≈ HK$31.30M (deposit + AVD stamp duty HK$3,005,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,786
−HK$14,159/mo
▼ 0.25% · 3.875%
HK$232,809
−HK$7,136/mo
Today · 4.125%
HK$239,945
baseline
▲ 0.50% · 4.625%
HK$254,545
+HK$14,600/mo
Deposit HK$21.22M · loan HK$49.51M · min. income ≈ HK$479,890/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$3,005,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,185
−HK$13,570/mo
▼ 0.25% · 3.875%
HK$257,921
−HK$6,834/mo
Today · 4.125%
HK$264,755
baseline
▲ 0.50% · 4.625%
HK$278,711
+HK$13,956/mo
Deposit HK$21.22M · loan HK$49.51M · min. income ≈ HK$529,510/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$3,005,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$290,296
−HK$18,204/mo
▼ 0.25% · 3.875%
HK$299,326
−HK$9,174/mo
Today · 4.125%
HK$308,500
baseline
▲ 0.50% · 4.625%
HK$327,272
+HK$18,772/mo
Deposit HK$7.07M · loan HK$63.65M · min. income ≈ HK$617,000/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$3,005,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$322,952
−HK$17,448/mo
▼ 0.25% · 3.875%
HK$331,613
−HK$8,787/mo
Today · 4.125%
HK$340,400
baseline
▲ 0.50% · 4.625%
HK$358,343
+HK$17,943/mo
Deposit HK$7.07M · loan HK$63.65M · min. income ≈ HK$680,800/mo (50% DSR)
Upfront cash ≈ HK$10.08M (deposit + AVD stamp duty HK$3,005,897 · Scale 2, in force from 26 Feb 2026)